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Should I retire at 57 with 35 lacs annual income, NRI FD of 3.5 crore, and own property?

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Mar 24, 2025

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more

Question by sanjay on Mar 15, 2025Hindi

Money

Hello, I am 57 years working out of India and earning 35 lacs annually with PR of that country and having NRI FD of 3.5 crore and mutual fund of 20 lac and sip of 3lac per annum. I have own bungalow and flat in b town of Gujarat. My daughter went to U.S.A for master last year. I want to retire and want to enjoy rest of life exploring the world with wife. Please advise.

Ans: Your goal is clear—retirement and world travel with your wife. You have built a strong financial foundation. Now, structuring your investments for lifelong cash flow is important.

Assessing Your Current Financial Position
Income: Rs. 35 lakh annual income from work abroad.

Assets: Rs. 3.5 crore in NRI fixed deposits, Rs. 20 lakh in mutual funds.

Investments: SIP of Rs. 3 lakh per year.

Real Estate: Own bungalow and flat in Gujarat.

Family Responsibility: Daughter pursuing a master's degree in the U.S.A.

Retirement Goal: Financial independence and world travel.

Key Challenges in Retirement Planning
Cash Flow Management: Ensuring a steady income for expenses.

Inflation Risk: Expenses will rise over time, reducing purchasing power.

Investment Growth: Maintaining and growing wealth to last a lifetime.

Liquidity Needs: Quick access to funds for travel and emergencies.

Tax Efficiency: Minimizing tax burden on withdrawals.

Retirement Corpus Planning
1. Estimating Annual Expenses
Consider monthly lifestyle costs, medical expenses, and travel budgets.

Account for inflation, as costs will rise over time.

Keep an emergency fund to handle unexpected expenses.

2. Generating Regular Cash Flow
Fixed Deposits (FDs): Provide safety but lower returns after tax.

Systematic Withdrawal Plan (SWP): Ideal for steady monthly income.

Dividend-paying Mutual Funds: Useful for passive cash flow.

Corporate Bonds: Can provide stable interest income.

Optimizing Your Investment Portfolio
1. Reducing FD Dependence
Rs. 3.5 crore in FDs is too high. Interest rates may not beat inflation.

Shift a portion into mutual funds with a mix of equity and debt.

Debt mutual funds can provide stability with better tax efficiency.

2. Equity Exposure for Growth
Equity is necessary for long-term wealth growth.

Consider large-cap and multi-cap mutual funds for stability.

Keep a portion in international funds for global exposure.

3. Debt Investments for Stability
Short-term debt funds are good for liquidity.

Corporate bond funds can offer better returns than FDs.

Select tax-efficient debt instruments for fixed income.

Funding Your Travel Goals
Create a dedicated "Travel Fund" for expenses.

Use SWP from mutual funds to generate travel cash flow.

Avoid dipping into principal amount to maintain financial security.

Tax Planning for Retirement
1. Taxation on Withdrawals
SWP from equity mutual funds attracts LTCG tax after Rs. 1.25 lakh gains.

Debt fund withdrawals are taxed as per income slab.

Optimize withdrawals to reduce tax burden.

2. NRI Tax Considerations
Check tax liabilities in India and your resident country.

Double taxation treaties can help reduce excess taxation.

Plan withdrawals carefully to avoid tax inefficiencies.

Estate Planning and Succession
Create a will for asset distribution.

Nominate beneficiaries in mutual funds and FDs.

Consider gifting assets to your daughter for tax benefits.

Final Insights
Reduce FD dependency and shift towards mutual funds.

Maintain a balance between equity and debt investments.

Structure cash flow using SWP and tax-efficient investments.

Plan withdrawals wisely to minimize tax impact.

Set aside a dedicated travel fund for world exploration.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jan 23, 2025

Asked by Anonymous - Jan 23, 2025Hindi

Money

I am 50 years with 1 kid studying 11th STD. Planning to retire now. My investment details, 35Lakh in FD/Savings. 2.5 crore in stocks/MF, 1 crore land, 5L in Gold, own a house and no loans. Monthly expense around 80k.

Ans: You have a strong financial base for early retirement. Let’s structure your wealth to generate a sustainable income, ensure your child’s education, and preserve wealth for the long term.

Evaluating Your Financial Snapshot
1. Assets Overview
Rs. 35 lakh in fixed deposits and savings accounts for liquidity.
Rs. 2.5 crore in stocks and mutual funds for long-term growth.
Rs. 1 crore land, offering future capital appreciation.
Rs. 5 lakh in gold, acting as a hedge against inflation.
Own house, ensuring zero rent obligations.
2. Monthly Expense Analysis
Monthly expenses are Rs. 80,000.
Annual expense requirement is Rs. 9.6 lakh.
3. Retirement Horizon
You plan to retire at 50.
Your expenses need funding for the next 30-35 years.
Inflation must be accounted for to maintain your lifestyle.
Managing Monthly Expenses Post-Retirement
A. Immediate Liquidity
Emergency Fund

Set aside Rs. 10-12 lakh in a liquid fund or FD.
This should cover 12-15 months of expenses.
Short-Term Needs

Keep Rs. 15 lakh in a low-risk debt mutual fund.
This will fund your expenses for 2-3 years.
B. Long-Term Growth and Income
Equity Allocation

Retain Rs. 1.5 crore in well-diversified equity mutual funds.
Allocate funds across large-cap, mid-cap, and hybrid schemes.
Equity provides inflation-beating returns over time.
Debt Allocation

Invest Rs. 75 lakh in high-quality debt mutual funds.
Debt ensures stability and predictable returns.
Systematic Withdrawal Plan (SWP)

Use SWP to withdraw monthly income from debt and hybrid funds.
Start with Rs. 80,000 monthly and adjust annually for inflation.
Planning for Your Child’s Higher Education
A. Estimated Education Costs
Factor in inflation for education expenses.
Allocate Rs. 25-30 lakh in equity and hybrid mutual funds.
This corpus will grow in 5-7 years to cover education fees.
B. Dedicated Portfolio
Create a separate portfolio for education goals.
Avoid withdrawing from this portfolio for other needs.
Land and Gold
A. Land Asset
Land is a non-earning, long-term asset.
You can hold it for potential capital appreciation.
Avoid liquidating unless needed for major goals.
B. Gold Holding
Retain gold as a hedge against inflation.
Avoid increasing allocation unless it is a specific need.
Tax Planning Post-Retirement
A. Mutual Fund Gains
Long-term capital gains (LTCG) above Rs. 1.25 lakh are taxed at 12.5%.
Short-term gains from equity are taxed at 20%.
B. Debt Fund Taxation
Gains are taxed as per your income tax slab.
Withdraw systematically to optimise your tax liability.
C. Senior Citizen Tax Benefits
Once you turn 60, claim senior citizen tax deductions.
Use Section 80TTB for interest income up to Rs. 50,000.
Healthcare and Contingency
A. Health Insurance
Ensure health insurance coverage of at least Rs. 20-25 lakh.
Include a top-up or super top-up policy for additional protection.
B. Contingency Fund
Reserve Rs. 5-7 lakh specifically for medical emergencies.
Keep this amount separate from your emergency fund.
Estate Planning
A. Will Creation
Draft a will to distribute your wealth as per your wishes.
Ensure clarity in property and financial asset allocation.
B. Nomination Updates
Update nominations for all investments, FDs, and insurance policies.
This ensures a smooth transfer of assets.
Avoid Common Pitfalls
A. Avoid Annuity Plans
Annuities provide low returns and lack flexibility.
They may not keep pace with inflation over time.
B. Avoid Over-Exposure to Direct Stocks
Stocks are volatile and may not suit retirement needs.
Reduce direct stock exposure and focus on mutual funds.
C. Avoid Direct Funds
Direct funds lack professional guidance.
Invest in regular funds with the assistance of a Certified Financial Planner.
Final Insights
You are in a strong position to retire comfortably at 50. By diversifying your investments and aligning them with your goals, you can ensure financial security and a stress-free retirement. Focus on systematic planning to meet your monthly expenses, child’s education, and other long-term needs. Regularly monitor your portfolio and make adjustments as required to stay aligned with your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 04, 2025

Asked by Anonymous - Jan 27, 2025Hindi

Money

I am 47. I wanted to retire this year. I have around 5 crore commercial property and 35 residential plots worth 3.5 crore. no house, 2 daughter of 6th std and 2nd std. Monthly expense 50k and monthly income 1 lk.

Ans: You have done well in accumulating assets. However, your retirement plan must focus on liquidity, stability, and growth. Real estate is illiquid and needs careful management. Let's assess your situation and build a structured financial plan.

Key Challenges in Your Retirement Plan
Your wealth is in real estate, which lacks immediate liquidity.

You have two young daughters, requiring future education and marriage funds.

Your monthly income is Rs 1 lakh, but real estate income is often inconsistent.

You have no house, meaning you might need to buy or rent one.

Healthcare costs will increase, and medical emergencies can arise.

Real Estate – A Major Concern
You have 35 residential plots and commercial property worth Rs 8.5 crore in total.

Real estate is illiquid and cannot generate stable cash flow.

Managing multiple properties requires time, effort, and ongoing expenses.

Selling during an emergency can lead to financial losses.

It is crucial to convert a portion of real estate into liquid investments.

Immediate Steps for a Secure Retirement
1. Secure a Stable Monthly Income
Relying on real estate income is risky as tenants may vacate, or rental income may fluctuate.

Sell some residential plots and reinvest in mutual funds for steady cash flow.

Avoid annuities as they lock money and limit flexibility.

Choose actively managed funds for growth and income generation.

2. Buying a House – Essential for Stability
Consider buying a house within your budget to secure your stay.

Renting may seem affordable now, but long-term rental costs can become a burden.

3. Children's Education and Marriage Fund
Your daughters are still in school, so their higher education expenses will rise.

Set up a dedicated education fund using actively managed mutual funds.

Avoid direct mutual funds, as they require constant monitoring.

Invest through a Certified Financial Planner to build a structured portfolio.

4. Emergency and Medical Fund
Healthcare costs will increase significantly after retirement.

Keep at least 3 years' worth of expenses in liquid assets.

Ensure you have adequate health insurance for yourself and your family.

Investment Strategy for Financial Freedom
Selling at least 10-15 plots can generate a diversified investment portfolio.

Invest in a mix of equity and fixed-income instruments.

Keep a portion in actively managed mutual funds for long-term growth.

Invest in regular mutual funds through a Certified Financial Planner for guidance.

Avoid index funds, as they do not offer risk protection in market downturns.

Final Insights
Convert illiquid assets into liquid investments to ensure financial stability.

Build a structured portfolio with active fund management.

Plan for children’s education, medical expenses, and monthly cash flow.

Ensure you have a house to live in without financial strain.

Avoid index funds, direct funds, and annuities for a flexible and growth-focused retirement.

Retirement is not just about assets but also income stability and liquidity. A structured approach will ensure you enjoy financial independence without stress.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 04, 2025

Asked by Anonymous - Jan 29, 2025Hindi

Money

I am a software professional aged 44+ with my wife( home maker) & 4.7 yr daughter. I am planning to retire at 45. I have 96 lacs in FD @7.25% rate for 10 years generating passive income of 45k every month. 9 lacs in shares, 21 lacs in mutual fund , 26 lacs in pf , land with valuation 50 lacs. I repaid all big debts like home loan. My current family expenses are 35k monthly.

Ans: You have built a strong financial base. Early retirement at 45 requires careful planning.

Analysing Your Current Financial Position
Fixed Deposits: Rs 96 lakh at 7.25% generating Rs 45,000 monthly.

Equity Investments: Rs 9 lakh in stocks and Rs 21 lakh in mutual funds.

Provident Fund: Rs 26 lakh secured for long-term growth.

Real Estate: Rs 50 lakh land value (not considered for cash flow).

No Liabilities: No major loans or EMIs.

Monthly Expenses: Rs 35,000 (manageable with current passive income).

Retirement Feasibility Check
Current passive income (Rs 45,000) covers monthly expenses (Rs 35,000).

Inflation will increase expenses over time.

Future medical and education costs need planning.

Stock and mutual fund investments can support long-term growth.

Investment Strategy for Early Retirement
Fixed Deposits
FDs provide stability but are taxable.

Inflation can reduce purchasing power over time.

Consider diversifying into better tax-efficient options.

Mutual Funds and Stocks
Mutual funds provide long-term growth.

SWP from mutual funds can provide tax-efficient monthly income.

Avoid selling all stocks; they offer inflation-beating returns.

Provident Fund
Keep it intact for long-term security.

Withdraw only if necessary.

Risk and Contingency Planning
Medical Emergencies: Ensure adequate health insurance.

Life Cover: Check if you need additional term insurance.

Emergency Fund: Keep at least 12 months of expenses in liquid assets.

Education and Future Expenses
Your daughter’s higher education will need planning.

Invest in child-focused mutual funds for long-term growth.

Avoid locking funds in non-liquid assets.

Final Insights
Your passive income supports current expenses.

Plan for inflation, medical needs, and future responsibilities.

Diversify investments for safety, growth, and tax efficiency.

Periodic reviews will ensure financial security.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 07, 2025

Asked by Anonymous - Feb 07, 2025Hindi

Money

I am 48 now want to retire at 54 PPF 32 lacs, MF 50 lacs, 20 Lacs of NSC, 13 lacs in PF, 1.3 crs in Bank FD, Stocks 10 lacs. Monthly income 1 lacs. My own house 3600 sq feet.No loans No liabilities Monthly Expenses 70 K. Only one Girl child in 12 th Commerce. pl suggest.

Ans: You have a well-structured financial base. Your savings and investments are diversified. You have no loans or liabilities. Your expenses are well within your income.

However, retiring at 54 requires careful planning. Your goal is to sustain expenses for a lifetime. You also need to plan for your child's education and unexpected costs.

Current Financial Status
PPF: Rs. 32 lakhs
Mutual Funds: Rs. 50 lakhs
NSC: Rs. 20 lakhs
PF: Rs. 13 lakhs
Bank FD: Rs. 1.3 crore
Stocks: Rs. 10 lakhs
Total Corpus: Rs. 2.55 crore
Monthly Income: Rs. 1 lakh
Monthly Expenses: Rs. 70,000
House: 3,600 sq. ft (self-occupied)
You have a strong corpus. But early retirement means managing funds carefully. Inflation, healthcare costs, and market risks must be considered.

Key Considerations for Retirement at 54
You need income for at least 30-35 years.

Inflation will increase expenses over time.

Medical costs will rise as you age.

Your child's higher education needs to be funded.

Fixed deposits lose value over time due to inflation.

A mix of safe and growth investments is required.

Adjustments Needed in Your Portfolio
1. Reduce Heavy Dependence on Fixed Deposits
FD interest rates are low and taxable.

Inflation will reduce the real value of your FDs.

Shift some FD amounts into better options.

Keep only 2-3 years of expenses in FDs.

Use a mix of bonds, mutual funds, and dividend-paying funds.

2. Optimise Mutual Fund Investments
Continue SIPs until retirement.

Review fund performance regularly.

Reduce exposure to low-performing funds.

Keep a mix of large-cap, mid-cap, and flexi-cap funds.

Increase allocation to balanced and conservative hybrid funds.

3. Use PPF and NSC Strategically
PPF is a great tax-free long-term investment.

Avoid withdrawing PPF in bulk at retirement.

Use PPF maturity for medical or emergency needs.

NSC is locked for five years. Plan withdrawals accordingly.

4. Review Stock Investments
Stock investments should not be too high post-retirement.

Direct stocks are risky for retirement income.

Shift some stock holdings to diversified mutual funds.

5. Plan for Healthcare and Insurance
Medical costs will be a major expense in later years.

Ensure a strong health insurance plan.

Increase coverage if needed.

Have a separate medical emergency fund.

6. Plan Your Daughter’s Higher Education
Higher education costs are rising.

Estimate the required amount now.

Use a mix of FDs, mutual funds, and debt funds for this goal.

Avoid taking money from retirement savings.

7. Retirement Income Strategy
Do not withdraw all funds at once.

Create a systematic withdrawal plan.

Use mutual fund SWP (Systematic Withdrawal Plan) for regular income.

Keep emergency funds in liquid assets.

Review investments annually to adjust for inflation.

Finally
You are on the right path to early retirement. But small adjustments will help sustain wealth longer.

A Certified Financial Planner can guide you in structuring withdrawals and investments for stability.

Plan well today, so you enjoy a worry-free retired life.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Sep 08, 2025

Question by Shiven - Aug 01, 2025Hindi

Money

Iam 36 old, I have my own home, no debt, I have 2 more property worth 1.2 Cr, getting rent 22000/mnth. Have 50 lac in saving account, 20 lac in PF account. My inhand salary is 2 lac/mnth and my wife earn 1.2lac/mnth We want to retire in the age of 42 and earn income of 1 lac /mnth I have 1 daughter 1 yr old

Ans: You are just 36. You have your own house, no debt, strong income, and good savings.

You also have rental income and assets. This is a strong foundation.

Your goal is early retirement at 42 with Rs. 1 lakh monthly income.

You also have a 1-year-old daughter. That makes your financial plan multi-dimensional.

Let’s build a 360-degree plan covering income, investment, risk protection, and future goals.

» Your Current Financial Strengths

You are debt-free at 36.

Own house is already secured.

2 more properties add Rs. 1.2 crore value.

Monthly rental income is Rs. 22,000.

In-hand family salary is Rs. 3.2 lakh.

Bank savings = Rs. 50 lakh.

PF balance = Rs. 20 lakh.

Total monthly inflow is strong and stable.

This strong base allows you to plan early retirement smoothly.

» Your Retirement Goal

You want to retire by 42.

That gives you only 6 more working years.

Your target is Rs. 1 lakh income per month post-retirement.

That means you need Rs. 1.2 lakh monthly (Rs. 1 lakh goal + inflation buffer).

So, the income from age 42 must last for at least 40 years.

This means your plan must focus on:

Long-term wealth creation.

Passive income from investments.

Risk coverage for family.

Tax-efficient withdrawals.

Let’s plan how to reach it.

» Current Monthly Surplus Must Be Deployed

Your total in-hand salary is Rs. 3.2 lakh.

Assuming Rs. 1 lakh monthly expenses, you save Rs. 2.2 lakh.

Even if you spend more due to child and lifestyle, a surplus of Rs. 1.5–1.8 lakh is reasonable.

This must be invested wisely every month.

Let’s now plan where and how.

» Avoid Holding Rs. 50 Lakh in Savings Account

You are losing growth opportunity here.

Savings account gives poor returns.

Inflation eats away value every year.

Idle money delays your retirement dream.

You must deploy it across liquid funds, short-term debt, and equity.

A proper bucket approach is needed.

Let’s split this Rs. 50 lakh as below.

» Use Bucket Strategy for Rs. 50 Lakh Corpus

Rs. 5–7 lakh in liquid funds as emergency reserve.

Rs. 8–10 lakh in short-duration debt funds (for next 2–3 years).

Rs. 30–35 lakh into equity mutual funds (for 8–20 years).

This structure creates safety + stability + growth.

Avoid bank FDs. Use mutual funds for better tax and growth benefits.

» Build a Solid SIP Portfolio With Step-Up Plan

Invest Rs. 1.5 lakh/month into SIPs for the next 6 years.

Split across categories like this:

40% in flexi-cap funds.

25% in large & mid-cap funds.

20% in large-cap funds.

15% in balanced advantage or aggressive hybrid funds.

Increase SIP every year by 10–15%.

This builds long-term equity corpus for retirement.

Keep total SIPs in 4–5 funds. Don’t over-diversify.

» Why Not Index Funds?

You may be tempted by Nifty ETFs or index funds.

Avoid them for now.

Index funds follow the market blindly.

No protection in market correction.

No scope for beating index returns.

No fund manager insight or sector rotation.

Underperform when markets are flat or falling.

Actively managed funds deliver better long-term alpha.

That helps you achieve early retirement confidently.

» Avoid Direct Plans, Use Regular Funds via CFP

Direct plans may look cheaper.

But they lack human support and monitoring.

No professional guidance.

No review or rebalancing.

No help during market stress.

You may miss opportunities or make emotional mistakes.

Use regular plans via Certified Financial Planner or MFD.

That gives long-term peace and accountability.

» Build Passive Retirement Income Sources

At age 42, you need Rs. 1 lakh/month from investments.

That’s Rs. 12 lakh per year.

Let’s plan passive sources:

Rental income = Rs. 22,000/month (may increase).

Remaining income from SWP (Systematic Withdrawal Plan).

SWP from hybrid + equity + debt mutual funds.

Use mix of short-term and long-term capital gains.

Rebalance yearly to maintain safety.

SWP is more tax-efficient than FD or annuity.

Avoid traditional pension or annuity products.

They lock your capital and give poor returns.

» Focus on Child’s Future Without Delay

Your daughter is just 1 year old.

You have 15–17 years before college.

Start a goal-based SIP for her now:

Invest Rs. 30,000–40,000/month.

Choose 2–3 long-term equity funds.

Use flexi-cap and mid-cap for growth.

Don’t touch this fund for any other need.

This ensures Rs. 1–1.5 crore education corpus at right time.

Avoid using real estate for her education need.

It lacks liquidity and creates tax complications.

» Review Your Real Estate Exposure

You have 2 more properties.

They give only Rs. 22,000/month rent.

That’s a low rental yield.

Selling 1 property can release Rs. 50–60 lakh.

That money can be used in mutual funds or retirement SWP.

But do not add more property.

Don’t see real estate as retirement solution.

It is illiquid, taxed badly, and not efficient.

Stick to mutual funds for income generation.

» Ensure Full Insurance Coverage

Retirement plan can fail if risk is not covered.

Check these now:

Term life cover of Rs. 2–3 crore minimum for you.

Term life cover of Rs. 1 crore for your wife.

Health insurance of Rs. 15–20 lakh family floater.

Personal accident and disability cover.

Avoid endowment or ULIP policies.

If you have LIC or money-back, surrender and invest in SIPs.

Insurance must protect your plan. Not consume your savings.

» Build Emergency Fund Separately

You must keep 6–9 months of expenses separately.

That’s about Rs. 6–8 lakh minimum.

Keep it in liquid mutual funds or sweep-in FD.

Don’t link emergency fund to your SIP or goals.

This gives you peace in medical or job issues.

» Don’t Mix Insurance With Investment

If you have ULIP, endowment, or traditional LIC policies:

Check surrender value now.

Take decision if policy is 3+ years old.

Surrender and reinvest in mutual funds.

These policies reduce your retirement potential.

Keep insurance and investment separate.

» How Much Retirement Corpus Do You Need?

If you want Rs. 1 lakh/month for 40 years:

Your required corpus may be around Rs. 2.5 crore minimum.

Add buffer for inflation, medical, and daughter’s expenses.

You already have savings, PF, and property.

With SIPs and proper planning, this goal is achievable in 6 years.

Stay disciplined and avoid mistakes.

» Mistakes to Avoid Now

Holding too much cash in savings account.

Delaying SIPs for daughter's future.

Not increasing SIPs yearly.

Over-depending on real estate rental.

Underestimating insurance needs.

Not tracking inflation in retirement planning.

Using direct funds without support.

Reacting to market news emotionally.

Avoiding mistakes is more important than chasing high returns.

» Final Insights

You are far ahead of most people at your age.

Debt-free life, strong income, and clear goals – that’s a rare mix.

Now you need focused investing and smart planning.

Use mutual funds actively. Stay away from index and direct funds.

Build income through SWP, not rental alone.

Secure your family with proper insurance.

Invest regularly for your daughter’s education.

Stick to your 6-year target with full commitment.

You can easily retire at 42 with Rs. 1 lakh/month income.

But only if you act decisively and stay invested.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

Latest Questions

Nayagam P P |10851 Answers |Ask -Follow

Career Counsellor - Answered on Dec 07, 2025

Question by Sreelekshmi - Dec 06, 2025Hindi

Career

Hello, I’m a student who recently joined the Integrated M.Sc Physics program at Amrita University. I’m aiming for a strong academic foundation and a clear career path. Could you please guide me on the following: How good is this course for research careers or higher studies (IISc, IITs, abroad)? What are the placement prospects after Integrated M.Sc Physics at Amrita? Does the program help in preparing for alternate options like UPSC, CDS/AFCAT, or technical roles? What skills (coding, research projects, certifications) should I start early to make the most of this degree?

Ans: Sree, Program Overview and Academic Foundation: Congratulations on joining the Integrated M.Sc Physics program at Amrita University. This five-year integrated program represents a rigorous pathway designed to equip you with advanced theoretical and experimental physics knowledge combined with cutting-edge scientific computing skills. The curriculum uniquely integrates a minor in Scientific Computing, which adds substantial computational capability to your profile—a critical advantage in today's research and professional landscape. The program incorporates comprehensive coursework spanning classical mechanics, electromagnetism, quantum mechanics, statistical physics, advanced laboratory work, and specialized topics in materials physics, optoelectronics, and computational methods, positioning you excellently for both research and professional careers.
Research Career Prospects: IISc, IITs, and Beyond: For research-oriented careers, the Integrated M.Sc Physics program at Amrita provides an exceptional foundation. Amrita's curriculum specifically aligns with GATE and UGC-NET examination syllabi, and the institution emphasizes early research engagement. The faculty at Amrita actively publish research in Scopus-indexed journals, with over 60 publications in international venues within the past five years, exposing you to active research environments.
To pursue research at premier institutions like IISc, you would typically follow the PhD pathway. IISc accepts M.Sc graduates through their Integrated PhD programs, and with your Amrita M.Sc, you're eligible to apply. You'll need to qualify the relevant entrance examinations, and your integrated program's emphasis on research fundamentals provides strong preparation. The final year of your Integrated M.Sc is intentionally structured to be nearly free of classroom commitments, enabling engagement with research projects at institutes like IISc, IITs, and National Labs. According to Amrita's data, over 80% of M.Sc Physics students secured internship offers from reputed institutions during academic year 2019-20, directly facilitating research career transitions.
Placement and Direct Employment Opportunities: Amrita University boasts a comprehensive placement ecosystem with strong corporate and government sector connections. According to NIRF placement data for the Amrita Integrated M.Sc program (5-year), the median salary in 2023-24 stood at ?7.2 LPA with approximately 57% placement rate. However, these figures reflect general placement trends; physics graduates often secure higher packages in specialized technical roles. Many graduates join software companies like Infosys (with early offers), Google, and PayPal, where their strong analytical and computational skills command competitive compensation packages ranging from ?8-15 LPA for entry-level positions.
The Department of Corporate and Industrial Relations at Amrita provides intensive three-semester life skills training covering linguistic competence, data interpretation, group discussions, and interview techniques. This structured placement support significantly enhances your employability in both government and private sectors.
Government Sector Opportunities: UPSC, BARC, DRDO, and ISRO: Your M.Sc Physics degree opens multiple avenues for prestigious government employment. UPSC Geophysicist examinations explicitly list M.Sc Physics or Applied Physics as qualifying degrees, enabling you to compete for Group A positions in the Geological Survey of India and Central Ground Water Board. The age limit for geophysicist positions is 32 years (with relaxation for reserved categories), and the exam comprises preliminary, main, and interview stages.
BARC (Bhabha Atomic Research Centre) actively recruits M.Sc Physics graduates as Scientific Officers and Research Fellows. Recruitment occurs through the BARC Online Test or GATE scores, with positions in nuclear science, radiation protection, and atomic research. BARC Summer Internship programs are available, offering ?5,000-?10,000 monthly stipends with opportunity for future scientist recruitment.
DRDO (Defense Research and Development Organization) recruits M.Sc Physics graduates through CEPTAM examinations or GATE scores for roles involving defense technology, weapon systems, and laser physics research. ISRO (Indian Space Research Organisation) regularly advertises scientist/engineer positions through competitive recruitment for candidates with strong physics backgrounds, offering opportunities in satellite technology and space science applications.
Other significant employers include the Indian Meteorological Department (IMD) recruiting as scientific officers, and NPCIL (Nuclear Power Corporation of India Limited), offering stable government service with competitive compensation packages exceeding ?8-12 LPA for scientists.
Alternate Career Pathways: UPSC, CDS, and AFCAT: UPSC Civil Services (IFS - Indian Forest Service): M.Sc Physics graduates qualify for UPSC Civil Services examinations, with the forest service offering opportunities for science-based administrative roles with potential to reach senior government positions.
CDS/AFCAT (Armed Forces): While AFCAT meteorology branches specifically require "B.Sc with Maths & Physics with 60% minimum marks," the technical branches (Aeronautical Engineering and Ground Duty Technical roles) require graduation/integrated postgraduation in Engineering/Technology. An M.Sc Physics integrates well with technical qualifications, though you would need engineering background for direct officer entry. However, you remain eligible for specialized technical interviews if applying through alternate defence channels.
UGC-NET Examination: This pathway leads to Assistant Professor positions in central universities and colleges across India. NET-qualified candidates receive scholarships of ?31,000/month for 2-year JRF positions with PhD pursuit, transitioning to Assistant Professor salaries of ?41,000/month in government institutions. This route provides long-term academic career security with research opportunities.
Private Sector Technical Roles
M.Sc Physics graduates are increasingly valued in data science, software engineering, and technical consulting. Companies actively recruit physics graduates for software development, where strong problem-solving and logical reasoning translate to competitive packages of ?10-20 LPA. Specialized domains including quantum computing development, financial modeling, and scientific computing offer premium compensation. Your minor in Scientific Computing makes you particularly attractive to technology companies requiring computational expertise.
International Opportunities and Higher Studies Abroad
An M.Sc from Amrita facilitates admission to PhD programs at international institutions. German universities offer tuition-free or low-fee MSc Physics programs (2 years) with scholarships like DAAD providing €850+ monthly stipends. US universities accept M.Sc graduates directly for PhD positions with full funding (tuition coverage + stipend). These pathways require GRE scores and strong Statement of Purpose articulating research interests. Research collaboration opportunities exist with Max Planck Institute (Germany) and CalTech Summer Research Program (USA), both welcoming Indian M.Sc students.
Essential Skills and Certifications to Develop Immediately: Programming Languages: Start learning Python immediately—it's universally used in research and industry. Dedicate 2-3 hours weekly to data analysis, scientific computing libraries (NumPy, SciPy, Pandas), and machine learning fundamentals. MATLAB is equally critical for physics applications, particularly numerical simulations and data visualization. Aim to complete MATLAB certification courses within your first year.
Research Tools: Learn Git/version control, LaTeX for scientific documentation, and data analysis frameworks. These skills are indispensable for publishing research papers and collaborating on projects.
Certifications Worth Pursuing: (1) MATLAB Certification (DIYguru or MathWorks official courses) (2) Python for Data Science (complete certificate programs from platforms like Coursera) (3) Machine Learning Fundamentals (for expanding technical versatility) & (4) Scientific Communication and Technical Writing (develop through departmental workshops)
Strategic Internship Planning: Leverage Amrita's research connections systematically. In your third year, apply to BARC Summer Internship, IISER Internships, TIFR Summer Fellowships, and IIT Internship programs (like IIT Kanpur SURGE). These expose you to frontier research while establishing connections for future PhD or scientist recruitment. Target 2-3 research internships across different specializations to develop versatility.

TO SUM UP, Your Integrated M.Sc Physics degree from Amrita positions you exceptionally well for competitive research careers at IISc/IITs, prestigious government scientist roles at BARC/DRDO/ISRO, and international PhD opportunities. The program's scientific computing emphasis differentiates you in the job market. Immediate priorities: (1) Master Python and MATLAB within the first two years; (2) Engage in research projects starting year 2-3; (3) Target internships at premiere research institutions; (4) Prepare GATE while completing your degree for maximum flexibility in recruitment; (5) Consider UGC-NET for long-term academic stability. Your career trajectory will ultimately depend on developing strong research fundamentals, demonstrating consistent excellence in specialization areas, and strategically selecting internship and research opportunities. The rigorous Amrita program combined with disciplined skill development positions you for exceptional career success across multiple sectors. Choose the most suitable option for you out of the various options available mentioned above. All the BEST for Your Prosperous Future!

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Nayagam P P |10851 Answers |Ask -Follow

Career Counsellor - Answered on Dec 07, 2025

Question by Krishu - Dec 05, 2025Hindi

Career

Maine jee mains session ka form ews apply wale se bhara tha lekin ews nh ban paya aur ab form date bhi khatam ho chuka h aur correction window band ho gya h to kya maine ji form pehle ews wala bhara tha wo form rahega ya rad ho jayega

Ans: Krishu, Your form remains valid for exam participation. NTA doesn't reject forms during registration without certificates. However, during counseling document verification, a missing EWS certificate will automatically shift you to the General category. You cannot change your category now since the correction window closed. Contact NTA immediately for guidance on possible relief measures by mail or by contacting them over phone. All the BEST for a Prosperous Future!

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Radheshyam Zanwar |6736 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 06, 2025

Question by ANSHU - Dec 06, 2025Hindi

Career

I am a neet aspirant Sir meri class 12 m physics m repeat thi aur chemistry bio aur English m pass hu toh mene nios k through physics k exam dia m usmin pass hu toh mere pass 2 marksheet hogyin h toh sir neet counselling m koi problem toh nhi aaegi

Ans: As per my knowledge, you will not face any problem in NEET counselling. Passing Physics through NIOS is valid. Just carry both mark sheets for verification. Yet, it is highly recommended to have a single marksheet for PCB to avoid any complications. You did not anything about when you cleared the 12th grade and NIOS examination. It is also not clear that when you are appearing to NEET. Whether you are are fresher or repeater is also not clear. Recommending asking the question in English with clarity to answer it correctly.

Good luck.
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Radheshyam

Asked on - Dec 06, 2025 | Answered on Dec 07, 2025

Sir I completed my 12 in 2024 and I gave my nios exam in oct 2024 in nios marksheet I am passed in physics and sir I am a droper student

Ans: OK. Appear for NEET 2026 and aim to score higher first, and forget what has happened in the past. Think about the verification process after the examination is over; until then, remain cool, calm, and quiet, and focus only on NEET. Best of luck for your bright future ahead.

Dr Nagarajan J S K |2576 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Dec 06, 2025

Question by swarnesh - Dec 04, 2025Hindi

Career

hi sir, wish to know the careeer option for my daughter after 12th PCB, apart from NEET what are the other ExamsPCB stream , she can appear. please guide .

Ans: Hi Swamesh,
Please wait a few more days; changes have occurred in the education sector, particularly regarding NEET. Several courses have been added, and you need to obtain eligibility through NEET to pursue them. I will share the details within a few days.
BEST REGARDS

Mihir Tanna |1090 Answers |Ask -Follow

Tax Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 04, 2025Hindi

Money

Tax returns ka confirmation nahi aya it department se

Ans: It may be under review. Many returns are still under process.

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 06, 2025Hindi

Money

Dear Sir/Ma'am, I need some guidance and advice for continuing my mutual fund investments. I am a 36 year old male, married, no kids yet and no debts/liabilities as such. I have couple of savings in PPF, NPS, Emergency funds and long term investing in direct stocks. I recently started below mentioned SIPs for long term to grow wealth. Request you to review the same and let me know if I should continue with the SIPs or need to rationalize. Kindly also advice on how to invest a lumpsum amount of around 6lacs. invesco small cap 2000 motilal oswal midcap 2700 parag parikh flexicap 3000 HDFC flexicap 3100 ICICI prudential largecap 3100 HDFC large and midcap 3100 HDFC gold etf FOF 2000 ICICI Pru equity and debt fund 3000 HDFC balanced advantage fund 3000 nippon india silver etf FOF 2000

Ans: You already built a solid foundation. Many investors delay planning. But you started early at 36. That gives you a strong advantage. You have no liabilities. You have long term thinking. You also have diversified savings like PPF, NPS, Emergency funds and direct stocks. That shows clarity and discipline. This approach builds wealth with less stress over time.

You also started systematic investments in equity funds. That is a positive step. Your selection covers multiple categories like large cap, mid cap, small cap, flexi cap, hybrid and precious metals. So the intent is right. You are trying to create a broad portfolio. That gives balance.

» Your Portfolio Composition Understanding
Your current SIP list includes:

Small cap

Mid cap

Flexi cap

Large cap

Large and mid cap

Hybrid category

Gold and Silver FoF

Equity and Debt allocation fund

Dynamic hybrid fund

This shows you are trying to cover many segments. But too many categories can create overlap. When there is overlap, you get confusion during review. It also makes portfolio discipline difficult. You may think you are diversified. But the holdings inside may repeat. That reduces efficiency.

Your portfolio now looks like:

Equity dominant

Hybrid for stability

Metals for hedge

So the broad direction is fine. But simplifying helps in long-term habit building.

» Fund Category Duplication
You hold:

Two flexi cap funds

One large and mid cap fund

One pure large cap fund

One mid cap fund

One small cap fund

Flexi cap funds already invest across large, mid, small. Then large and mid also overlaps. So the large cap exposure gets repeated. That may not add extra benefit. But it increases monitoring complexity.

So I suggest rationalising. Keep one fund per category in core. Keep satellite space for only high conviction.

» Core and Satellite Strategy
A structured portfolio follows core and satellite method.

Core portfolio should be:

Simple

Long term

Stable

Satellite portfolio can be:

High growth

Concentrated

Based on your thinking level, you can structure like this:

Core funds:

One large cap

One flexi cap

One hybrid equity and debt fund

One balanced advantage type fund

Satellite funds:

One mid cap

One small cap

One metal allocation if needed

This division gives clarity. You can continue SIPs with review every year. No need to stop and restart often. That reduces behavioural mistakes.

» Your Current SIP List Review with Suggested Streamlining

You can consider continuing:

One flexi cap

One large cap

One mid cap

One small cap

One balanced advantage

One equity and debt hybrid

You may reconsider keeping both flexi caps and both gold silver funds. One of each category is enough. Because too many funds do not increase returns. It complicates tracking.

Precious metal funds should not be more than 5 to 7 percent in your portfolio. This is because metals are hedge assets. They do not create compounding like equity. They act as protection during cycles. So keep them small.

» How to Use the Rs 6 Lakh Lump Sum
You asked about lump sum investing. This is important. Lump sum should not go fully into equity at one time. Markets move in cycles. So use a staggered method. You can invest the lump sum through STP (Systematic Transfer Plan). You can keep the amount in a liquid fund and set STP toward your chosen growth funds over 6 to 12 months.

This reduces timing risk. It also creates discipline. So your Rs 6 lakh can be deployed gradually. You may use 50% towards core equity funds and 30% toward satellite growth category. The remaining 20% can go into hybrid category. This gives balance and comfort.

» Regular Funds Over Direct Funds
One important point many investors miss. Direct funds look cheaper. But they demand deep knowledge, discipline, and behaviour control. Most investors lose more through emotional selling and wrong timing than they save on expense ratio.

With regular funds through a Mutual Fund Distributor with Certified Financial Planner qualification, you get guidance, structure and correction. The advisory discipline protects you during market extremes. That is more valuable than a small saving in expense ratio.

A personalised planner also tracks portfolio drift, rebalancing need and category shifts. So regular fund investing gives long-term benefit and behaviour coaching.

» Actively Managed Funds over Index or ETF
Some investors choose index funds or ETF thinking they are simple and cheap. But they ignore drawbacks.

Index funds or ETF will not avoid weak companies in the index. They will invest whether the company grows or struggles. There is no fund manager decision making. So when markets are at peak, index funds continue aggressive exposure. In downturns also they fall fully. There is no cushion.

Actively managed funds work with research teams. They can avoid bad sectors. They can shift allocation based on market and economy. Over long term, this gives better alpha and stability. So continuing with actively managed funds creates better wealth compounding.

» SIP Continuation Strategy
Once the rationalisation is done, continue SIPs every month without interruption. Pause and restart behaviour damages compounding power. SIP works best when you go through all market cycles. You benefit more during corrections because cost averaging works.

So continue SIP amount. You can also review SIP increase every year based on income. Increasing SIP by 10 to 15 percent every year helps you reach large corpus faster.

» Asset Allocation Based Approach
One key point in wealth creation is having the right asset mix. Equity gives growth. Hybrid gives balance. Metals give hedge. Debt gives safety. Your asset allocation should stay aligned to your risk profile and time horizon.

Since you are young and have long term horizon, higher equity allocation is fine. But as time moves, rebalancing is important. Rebalancing protects gains and restores allocation.

So review your asset allocation every year or during major life events like child birth, home buying or retirement planning.

» Behaviour Management
Many portfolios fail not due to bad funds. They fail due to bad decisions. Selling during correction. Stopping SIP when market falls. Chasing past return performance. These mistakes reduce wealth.

Your discipline so far is good. Continue to stay patient during volatility. Equity rewards patience and time.

» Financial Goals Clarity
Since you have no children now, you can decide your long-term goals. Typical goals may include:

Retirement

Future child education

Dream lifestyle purchase

Health care reserves

When goals are clear, investment purpose becomes stronger. So you can map each fund category to goal horizon. Short-term goals should not use equity. Long-term goals should use equity with hybrid support.

» Role of Review and Monitoring
Review once in a year is enough. Frequent review can create anxiety. Annual review helps check:

Fund performance

Expense drift

Category relevance

Allocation balance

Then adjust only if needed. This progress helps you stay confident and aligned.

» Taxation Awareness
Equity mutual funds taxation rules are:

Short term (below one year holding) taxable at 20 percent

Long term (above one year holding) gains above Rs 1.25 lakh taxable at 12.5 percent

Debt mutual funds are taxed as per your income slab.

So always hold equity funds for long term. That reduces tax impact and gives better growth.

» SIP Increase Plan
You can create a simple plan to increase SIP over time. For example:

Increase SIP at every salary increment

Increase SIP during bonus time

Use rewards or extra income for investing

This habit accelerates wealth. So by the time you reach 45 to 50 years, your investments could reach a strong level.

» Insurance and Protection
Before investing large, ensure you have term insurance and health insurance. If not already done, it is important. Insurance protects wealth. Without insurance, even a small medical event can impact investment plan. So review this part also. Since you are married, cover both.

» Wealth Behaviour Mindset
You are already disciplined. Just keep these simple principles:

Invest without stopping

Review once a year

Avoid funds overlap

Follow asset allocation

Avoid reacting to media noise

This helps you reach long term milestones.

» Finally
You are on the right track. Only fine tuning and simplification is needed. Your discipline is visible. Your portfolio will grow well with structure, patience and periodic review. Use the Rs 6 lakh with STP approach. And continue SIP with rationalised categories.

With time and consistency, wealth creation becomes effortless and peaceful. You just need to stay committed and avoid overthinking during market movements.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

Radheshyam Zanwar |6736 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 04, 2025Hindi

Career

Hello sir, i am a NEET aspirant and in 11th........but these past months i have left one coaching to join other but have not been able to accomodate so now i will be starting fresh and doing self study.....i want to go to afmc....pls guide me regarding everything....pls pls really urgent, would appreciate it.

Ans: Starting afresh in 11th class is completely fine, but initially focus on strong NCERT fundamentals for Physics, Chemistry, and Biology through daily self-study, consistent revision, and weekly mock tests. Aim for the NEET cutoff plus medical fitness standards for AFMC, build physical fitness alongside academics, and maintain discipline with a clear daily routine to stay on track. Usually, switching between coaching institutes is not recommended, but if there are serious issues with teachers, it's understandable to make a change. However, success does not solely depend on the coaching institute; dedicated studying is essential. Self-study with passion, consistency, completing the syllabus on time, extensive revision, and practising past papers are crucial for cracking the exam. If you have that strong desire, you can attempt NEET; otherwise, choose your path without hesitation. NEET is not the ultimate measure of success in life.

Good luck.
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Radheshyam

Radheshyam Zanwar |6736 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 06, 2025

Question by Shriyansh - Dec 04, 2025Hindi

Career

I am aiming pec chd cse data science which on josaa shows to open at 16000 and closed at 19000 ews rank. How hard is to achieve this rank. Is it possible with boards prep? Do consider these are ews category ranks not crl rank , so any guess about crl and overall percentile?

Ans: Getting an EWS rank of 16k–19k is moderately tough and usually needs 90–93 percentile (90k–110k CRL), which is very difficult with only boards preparation and typically requires focused JEE-level practice. One should have a burning desire, dedicated motivation, and a target to achieve the goal. Without these parameters, not possible to achieve success in JEE. Hence, around 95% studentsare are unable to achieve the target of cracking the examination. From your question, it is not clear that where you are aiming for 2026 or 2027 examination.

Good luck.
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Radheshyam

Radheshyam Zanwar |6736 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 06, 2025

Question by Amit - Dec 05, 2025Hindi

Career

My son while filling the application form for JEE Mains2026 , has inadvertently added the prefixes Mr. and Mrs. before his parents’ names. However, in both the Aadhaar card and the Matriculation certificate, the names of his parents appear without any prefixes. He missed to do the correction in the correction window timeline. Will he be allowed to sit in the exam and any challenge during JOSSA counselling, if yes, what is remedial action for this.?

Ans: Please do not worry. He will be allowed to appear for JEE Mains and will be allowed to participate in JoSAA counselling. Just submit an affidavit/self-declaration with Aadhaar and matric certificates during document verification to clarify the prefix discrepancy. Yet, recommended to fill the application form very carefully by taking the help of an expert. If NTA opens the correction windows once again, then try for the same. Keep a close eye on the NTA JEE site.

Good luck.
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Radheshyam

Dr Dipankar Dutta |1837 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Dec 05, 2025

Question by Murari - Dec 05, 2025Hindi

Career

Dear Sir, I did my BTech from a normal engineering college not very famous. The teaching was not great and hence i did not study well. I tried my best to learn coding including all the technologies like html,css,javascript,react js,dba,php because i wanted to be a web developer But nothing seem to enter my head except html and css. I don't understand a language which has more complexities. Is it because of my lack of experience or not devoting enough time. I am not sure. I did many courses online and tried to do diplomas also abroad which i passed somehow. I recently joined android development course because i like apps but the teaching was so fast that i could not memorize anything. There was no time to even take notes down. During the course i did assignments and understood the code because i have to pass but after the course is over i tend to forget everything. I attempted a lot of interviews. Some of them i even got but could not perform well so they let me go. Now due to the AI booming and job markets in a bad shape i am re-thinking whether to keep studying or whether its just time waste. Since 3 years i am doing labour type of jobs which does not yield anything to me for survival and to pay my expenses. I have the quest to learn everything but as soon as i sit in front of the computer i listen to music or read something else. What should i do to stay more focused? What should i do to make myself believe confident. Is there still scope of IT in todays world? Kindly advise.

Ans: Your story does not show failure.
It shows persistence, effort, and desire to improve.

Most people give up.
You didn’t.
That means you will succeed — but with the right method, not the old one.

See more questions »

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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